Is not that they're (Portfolio Recovery) like many other low life debt collectors out there, these guys actually are among the more professional debt collectors - hard to believe, isn't it? However because they buy leads and debt in bulk, they acquire old and statute expired debt, right along with legitimate ones. Unfortunately is not going to help their bottom line to try to figure which is which, so they go after all of them. It gets nasty when they work an account for a while and there is no pay off. At that point for all their grand standings, their agents act no different that any other low life debt collector. And no - they will not listen to any arguments about the debt is old, paid off, or not your. All they want is some money (10 to 30 cents on the dollar) so they can get the supervisors off their back and maybe get a bonus. This company is a big one so they know how to get around federal rules. If you want to get them off of you, go through your state's authorities.